BRI Performance Highlights and Green Initiatives
THE ULTRA MICRO ECOSYSTEM
UMI Holding Integration Synergies Impact on Financial Performance
Loan Composition - Outstanding
# Borrowers
(in IDR Tr)
Business
Performance
BRI
(in Mio)
551.3
13.9% YoY
529.2
35.3
13.3% YoY
518.8
34.0
506.7
42.6
23.4% YoY
32.9
31.0
40.7
483.9
38.4
28.6
36.8
59.1
12.7% YoY
34.5
55.9
55.1
54.5
25.1% YoY
14.0
13.2
12.4
11.2
9.6
52.4
6.6
6.8
7.0
6.2% YoY
6.6
7.0
449.6
13.3% YoY
415.4
425.3
432.6
397.0
7.8% YoY
13.9
14.0
13.3
14.4
12.1
Q1'22
1H'22
9M'22
2021
2022
*
■BRI Micro Pegadaian PNM
Q1'22
1H'22
9M'22
2021
2022
■BRI Micro
Pegadaian PNM
BRI
Pegadaian
Key Ratios
Cost of Fund
Description
9M'21
2.1%
FY'21
2.1%
FY'22
1.9%
9M'21
FY'21
FY'22
9M'21
PNM
FY'21
FY'22
6.2%
6.0%
4.9%
8.7%
8.6%
7.4%
Opt. Expenses to Opt.
Income
76.4%
74.3%
64.2%
75.5%
77.5%
71.3%
88.1%
88.3%
90.3%
CIR
42.1%
43.3%
42.0%
63.0%
62.8%
63.7%
76.6%
74.5%
67.0%
Pegadaian, PNM's Cost Of Fund (COF) calculated by dividing annualized interest expense with average monthly Interest Bearing Liabilities
*As of Dec 22, PNM's financing outstanding include IDR 1,1 Tn disbursed to LKMS (Syariah Micro Financing Institution) and venture capital
40
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